Call reports 2007
YORK STATE BANK — 2007
What YORK STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 144,365,000 | 126,028,000 | 125,657,000 | 124,697,000 |
| Total loans | 102,553,000 | 94,373,000 | 96,154,000 | 98,340,000 |
| Allowance for loan losses | 1,340,000 | 1,323,000 | 1,313,000 | 1,092,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,310,000 | 10,912,000 | 11,197,000 | 12,356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,477,000 | 109,513,000 | 107,891,000 | 108,535,000 |
| Interest-bearing deposits | 114,842,000 | 100,284,000 | 97,511,000 | 97,069,000 |
| Noninterest-bearing deposits | 10,635,000 | 9,229,000 | 10,380,000 | 11,466,000 |
| Equity capital | 16,491,000 | 15,265,000 | 15,518,000 | 14,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,238,000 | 4,418,000 | 6,452,000 | 8,422,000 |
| Interest expense | 1,086,000 | 2,165,000 | 3,153,000 | 4,087,000 |
| Net interest income | 1,152,000 | 2,253,000 | 3,299,000 | 4,335,000 |
| Noninterest income | 301,000 | 655,000 | 996,000 | 1,334,000 |
| Noninterest expense | 991,000 | 2,023,000 | 3,023,000 | 4,150,000 |
| Provision for loan losses | 38,000 | 64,000 | 88,000 | -59,000 |
| Pretax income | 424,000 | 821,000 | 1,184,000 | 1,578,000 |
| Income tax | 133,000 | 256,000 | 366,000 | 487,000 |
| Net income | 291,000 | 565,000 | 818,000 | 1,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,393,000 | 10,167,000 | 10,420,000 | 9,693,000 |
| Total capital | 12,733,000 | 11,411,000 | 11,691,000 | 10,785,000 |
| Risk-weighted assets | 109,386,000 | 99,430,000 | 101,657,000 | 104,215,000 |